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First Commonwealth Financial Corporation (FCF) Next Earnings Date & Expected ±3.7% Move

$21.02 +0.91% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

First Commonwealth Financial Corporation (FCF) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $2.04B

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INTERACTIVE SCENARIO DECK:

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RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

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Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+3.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FCF)Realized 20D OHLCV Swing Band: ±3.7%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±3.7% Swing Band

±$0.78 Expected Swing

MODEL EARNINGS SETUP GAUGE

FCF Quantitative Pre-Earnings Setup: 65/100

Trailing EPS: $1.57 • YoY Revenue Growth: 12.4%

Model Bullish Setup (65/100)Model Risk Weight (35/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$152.3M	$171.5M	52%
FY 2024	2024-12-31	$0	$142.6M	$113.9M	52%
FY 2023	2023-12-31	$0	$157.1M	$150.8M	52%

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Whale Flow & Momentum Playbook: Evaluating FCF & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on FCF
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FCF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.18%⚡ TESTING RESISTANCE

2026-10-30O $21.19H $21.22L $20.89C $21.02VOL 842.6K

RES: $21.36SUP: $19.64SMA50: $20.73SMA200: $19.44

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FCF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FCF Butterfly Map → + Track FCF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

4.8%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FCF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FCF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FCF)

Financials Rank #317 of 1096 ⚔️ CHCO vs FCF Full Matrix →

1. Head-to-Head Financials Peer Comparison (FCF vs. CHCO, TBBK, HTH, SRCE)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First Commonwealth Financial Corporation (FCF) ranks #317 by composite RQD confidence (65/100, grade C) and #425 by equity capitalization ($2.04B). Within this direct 5-issuer industry benchmark cohort, TBBK leads on earnings valuation at 9.0x trailing P/E, while TBBK leads on capital efficiency and profitability with 33.1% ROIC and — gross margin. TBBK currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with FCF at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FCF ACTIVE First Commonwealth Financial Corporation	C	65/100	13.4x	—	9.8%	+0.91%	$2.04B	Benchmark Subject
CHCO City Holding Company	B	73/100	15.5x	—	16.1%	+1.03%	$2.02B	/chco-vs-fcf →
TBBK The Bancorp Inc	B	75/100	9.0x	—	33.1%	+0.20%	$2.06B	/tbbk-vs-fcf →
HTH Hilltop Holdings Inc.	D-	40/100	12.7x	—	7.7%	+1.58%	$2.12B	/hth-vs-fcf →
SRCE 1st Source Corporation	D+	56/100	—	—	—	+0.97%	$2.13B	/srce-vs-fcf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000712537

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Commonwealth Financial Corporation (FCF) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $152.3M, operating cash flow of $187.5M, and free cash flow of $171.5M (+50.5% YoY). On the balance sheet, FCF closed FY2025 with $12.34B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$152.3M	$187.5M	$171.5M	$12.34B	—
FY2024 (FY)	2024-12-31	$0	$142.6M	$129.5M	$113.9M	$11.58B	—
FY2023 (FY)	2023-12-31	$0	$157.1M	$150.8M	$150.8M	—	—

3. FCF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FCF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, First Commonwealth Financial Corporation (NYSE: FCF) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $21.02 (+0.91% 1D, market cap $2.04B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, FCF ranks #317 in composite RQD confidence.

How does FCF compare to CHCO and TBBK in the Financials sector?

Within the Financials sector (Major Banks), FCF carries a Roarable C (65/100 RQD), trailing P/E of 13.4x, gross margin of —, and ROIC of 9.8%. By comparison, CHCO (City Holding Company) holds a B grade (73/100 RQD, P/E 15.5x, ROIC 16.1%, cap $2.02B) and TBBK (The Bancorp Inc) posts a B grade (75/100 RQD, P/E 9.0x, ROIC 33.1%, cap $2.06B). Among the 5-stock peer group, TBBK leads on earnings multiple (9.0x) while TBBK leads on capital efficiency (33.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FCF?

Per FCF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000712537), First Commonwealth Financial Corporation generated $0 in revenue, $152.3M in net income, and $171.5M in free cash flow against $12.34B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FCF trading relative to its 50-day, 200-day, and 52-week technical levels?

FCF last traded at $21.02 (+0.91% on volume of 998,636 shares), positioning the stock +1.40% above its 50-day simple moving average ($20.73) and +8.13% above its 200-day simple moving average ($19.44). Across its 52-week range of $15.00 to $22.34, FCF sits at the 82.0% percentile with a 14-day RSI of 57.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.7% ($20.24 to $21.80).

FCF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is FCF's next earnings date?

Based on SEC filing cadence, First Commonwealth Financial Corporation (FCF)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is FCF stock expected to move on earnings?

Volatility modeling currently projects a ±3.7% event move for FCF, spanning a range between $20.24 and $21.8.

Direct Sub-Reports: FCF RQD Cockpit FCF 12M Forecast FCF Earnings & Move FCF Dividends & DRIP FCF Insiders & 13F FCF Whale Options FCF Profit Sankey FCF News & Why